Credit, cheques and debts
Debt is treated more seriously in the UAE than in the UK. Here’s how to build a good credit record and stay out of trouble.
In 30 seconds
- Your UK credit history doesn’t transfer: you start from zero
- A bounced cheque is no longer a crime, but it can be enforced through the courts quickly
- Unpaid loans, cards or rent can lead to a travel ban, which stops you leaving the country
Credit starts at zero
- The AECB (Al Etihad Credit Bureau) keeps your UAE credit score, from 300 to 900
- Check your score in the AECB app
- Pay cards and loans on time from the start
- Keep credit card balances well below the limit
Cheques: what changed in 2022
| The rule | |
|---|---|
| Bounced cheque (not enough money) | Not a crime since 2022, but the landlord or lender can enforce it directly through the courts |
| Stopping a cheque or emptying the account on purpose | Still a crime, with a fine of at least AED 5,000 |
| Security cheques | Some landlords and lenders ask for one. Never sign a cheque you couldn’t cover |
Debts and travel bans
If you owe money and don’t pay, a court can issue a travel ban. You won’t be allowed to leave the UAE until it’s settled.
- Check for a ban in the Dubai Police app or by calling 901
- If you lose your job, talk to your bank early about a payment plan
- Clear cards and loans before you leave the UAE for good
If you have a problem with a bank
Complain to the bank first and wait 30 days. If you’re not happy with the answer, go to Sanadak, the free UAE banking ombudsman.
What to do next
- Download the AECB app and check your score after 6 months
- Only write cheques you know you can cover
- Set up automatic card payments
SourcesLast checked 29 Sep 2026. Rules and prices change, so check the official source before you act. Spotted something out of date? Email hello@theglobalocal.com.